Which card earns more rewards, the SoFi Smart Card or Verizon Visa Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the SoFi Smart Card or the Verizon Visa Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the SoFi Smart Card or Verizon Visa Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the SoFi Smart Card or the Verizon Visa Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the SoFi Smart Card or Verizon Visa Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the SoFi Smart Card or the Verizon Visa Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.

CardRewards

SoFi Smart Card vs Verizon Visa Card

Both cards cost $0/yr. The SoFi Smart Card is better for grocery stores, while the Verizon Visa Card wins on verizon purchases. Here's how they compare.

No image

SoFi Smart Card

SoFi

No image

Verizon Visa Card

Synchrony

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	SoFi Smart Card	Verizon Visa Card
Grocery Stores	5X	4X
Dining	1X	4X
Gas Stations	1X	4X
Verizon Purchases	1X	4X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

—

+No annual fee
+Strong 4% back on Verizon, grocery, gas, and dining
+Solid 2% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$100 welcome bonus after $500 spend in 2 months

Cons

—

−Rewards locked to Verizon ecosystem (bill, devices, accessories only)
−3% foreign transaction fee
−No value if you leave Verizon
−4% on Verizon purchases excludes bill payments
−Requires good/excellent credit

Category-by-Category Winner

The Verizon Visa Card wins in 3 of 4 categories. The SoFi Smart Card leads in 1.

Grocery Stores

SoFi Smart Card earns 5X vs 4X

Verizon Purchases

Verizon Visa Card earns 4X vs 1X

Gas Stations

Verizon Visa Card earns 4X vs 1X

Dining

Verizon Visa Card earns 4X vs 1X

Which Card Is Right for You?

Get the Verizon Visa Card if you:

+Spend $300+/month on restaurants and dining out

Frequently Asked Questions

Which card earns more rewards, the SoFi Smart Card or Verizon Visa Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the SoFi Smart Card or the Verizon Visa Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

SoFi Smart Card — Full Review All SoFi Cards

Verizon Visa Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: SoFi cards · Synchrony cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

SoFi Smart Card vs Verizon Visa Card

Both cards cost $0/yr. The SoFi Smart Card is better for grocery stores, while the Verizon Visa Card wins on verizon purchases. Here's how they compare.

No image

SoFi Smart Card

SoFi

No image

Verizon Visa Card

Synchrony

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	SoFi Smart Card	Verizon Visa Card
Grocery Stores	5X	4X
Dining	1X	4X
Gas Stations	1X	4X
Verizon Purchases	1X	4X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

—

+No annual fee
+Strong 4% back on Verizon, grocery, gas, and dining
+Solid 2% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$100 welcome bonus after $500 spend in 2 months

Cons

—

−Rewards locked to Verizon ecosystem (bill, devices, accessories only)
−3% foreign transaction fee
−No value if you leave Verizon
−4% on Verizon purchases excludes bill payments
−Requires good/excellent credit

Category-by-Category Winner

The Verizon Visa Card wins in 3 of 4 categories. The SoFi Smart Card leads in 1.

Grocery Stores

SoFi Smart Card earns 5X vs 4X

Verizon Purchases

Verizon Visa Card earns 4X vs 1X

Gas Stations

Verizon Visa Card earns 4X vs 1X

Dining

Verizon Visa Card earns 4X vs 1X

Which Card Is Right for You?

Get the Verizon Visa Card if you:

+Spend $300+/month on restaurants and dining out

Frequently Asked Questions

Which card earns more rewards, the SoFi Smart Card or Verizon Visa Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the SoFi Smart Card or the Verizon Visa Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

SoFi Smart Card — Full Review All SoFi Cards

Verizon Visa Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: SoFi cards · Synchrony cards

SoFi Smart Card vs Verizon Visa Card

Both cards cost $0/yr. The SoFi Smart Card is better for grocery stores, while the Verizon Visa Card wins on verizon purchases. Here's how they compare.

No image

SoFi Smart Card

SoFi

No image

Verizon Visa Card

Synchrony

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	SoFi Smart Card	Verizon Visa Card
Grocery Stores	5X	4X
Dining	1X	4X
Gas Stations	1X	4X
Verizon Purchases	1X	4X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

—

+No annual fee
+Strong 4% back on Verizon, grocery, gas, and dining
+Solid 2% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$100 welcome bonus after $500 spend in 2 months

Cons

—

−Rewards locked to Verizon ecosystem (bill, devices, accessories only)
−3% foreign transaction fee
−No value if you leave Verizon
−4% on Verizon purchases excludes bill payments
−Requires good/excellent credit

Category-by-Category Winner

The Verizon Visa Card wins in 3 of 4 categories. The SoFi Smart Card leads in 1.

Grocery Stores

SoFi Smart Card earns 5X vs 4X

Verizon Purchases

Verizon Visa Card earns 4X vs 1X

Gas Stations

Verizon Visa Card earns 4X vs 1X

Dining

Verizon Visa Card earns 4X vs 1X

Which Card Is Right for You?

Get the Verizon Visa Card if you:

+Spend $300+/month on restaurants and dining out

Frequently Asked Questions

Which card earns more rewards, the SoFi Smart Card or Verizon Visa Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the SoFi Smart Card or the Verizon Visa Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

SoFi Smart Card — Full Review All SoFi Cards

Verizon Visa Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: SoFi cards · Synchrony cards